Free Rewards Checking

All over Texas -- from McKinney to Waco and Austin to Denton, it pays to bank with Independent Bank. This high interest checking account offers refunds on ATMs and no maintenance fees. Just deposit your money and get ready for your rewards.

Rates are effective October 16, 2014 and are subject to change. Minimum opening deposit is $100.00. Personal accounts only. One account per customer. Rate tiers are as follows: 1.50% APY applies to balances of $.01 - $15,000.99 and 0.15% APY applies to balances $15,001.00 and above as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. Rates are subject to change at bank's discretion. All balances will earn 1.50% APY to 0.15% APY as long as qualifications are met. Fees may reduce earnings.

Qualifications

Qualifications (Per Qualification Cycle)

Make (12) debit card transactions (excludes ATM transactions, must be posted not pending)